What Are The Car Insurance Coverage Includes?

The common coverages includes:

Liability

Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.
Auto liability coverage falls into two categories:

1. Bodily Injury Liability - which covers medical expenses, pain and suffering, lost wages, and other special damages.
   
2. Property Damage Liability -- which covers damaged property, and may include loss of use.
   

Liability coverage also pays legal defense and court costs.
State laws usually dictate the minimum amounts of insurance required, but higher amounts are available.

Personal Injury Protection (PIP)

This coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident.
It may also pay for:

• Rehabilitation
  
• Lost earnings
  
• Replacement of services (For example, child care if a parent is disabled.)
  
• Funeral expenses
  

Medical Payments

This coverage is available in most states. It pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident.

Collision

This coverage helps pay for damage to a covered vehicle caused by:

• Collision with another vehicle
  
• Collision with an object
  
• A vehicle rollover
  

A deductible is required.

Comprehensive

This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.
Examples of this type of damage or loss include:

• Fire
  
• Wind
  
• Hail
  
• Flood
  
• Vandalism
  
• Theft
  
• Hitting an animal
  

A deductible may apply.

Uninsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance
In some states this coverage may also pay for property damage.
This coverage varies by state and depends upon policy provisions.

Underinsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.
Application of this coverage varies by state and depends upon policy provisions.

Rental Reimbursement

This coverage pays for renting a car when your auto is disabled due to an auto accident.
Daily allowances or limits vary by state or policy provisions.

Emergency Road Service

This coverage pays for having your auto towed due to a breakdown.
Towing limits vary by state or policy provisions.
This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

If you need more assistance about auto insurance, get the best Salt Lake Auto Insurance agent.